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Naveenn Kummar233 Answers |Ask - Follow
Financial Planner, MF, Insurance Expert - Answered on Sep 17, 2025
Asked on - Aug 27, 2025
Im 38 year old, living in Bengaluru. Im the lone bread winner of the family with a wife and 2 daughters. I have 50 lakhs in equity, 10 lakhs in FD and have salary of 2 lakhs per month. I have rental income of 40k and ancestral property worth 8 crores at my home town. Can I retire at 40 ?
Ans: Dear Sir,
At age 38, with your current profile, let’s evaluate the possibility of retiring at 40:
Your Current Assets & Income
Equity: ?50L
FDs: ?10L
Salary: ?2L/month (?24L/yr)
Rental Income: ?40K/month (?4.8L/yr)
Ancestral Property: ~?8 Cr (illiquid unless sold/monetised)
Key Considerations for Retirement at 40
Corpus Requirement
If you want ?1.5L/month (?18L/yr) as expenses (today’s value), over 40–45 years of retirement, adjusting for inflation, you will need ?8–10 Cr in financial assets.
Right now, your liquid financial assets are only ~?60L (equity + FD).
Ancestral Property
Worth ?8 Cr, but unless you sell or lease it out, it won’t generate cash flow.
You cannot rely on this value for daily retirement expenses unless monetised.
Rental Income
?40K/month helps, but it covers only a small portion of living costs.
Current Gap
To retire at 40, your financial assets need to generate ?18–20L per year growing with inflation.
Your ?60L corpus can only generate ~?3–4L safely (at 6–7% withdrawal rate), which is far below requirement.
Recommendation
Retiring at 40 is not financially safe with your current financial corpus.
If you can monetise a part of your ancestral property (sell, lease, joint development), then early retirement becomes possible.
Otherwise, work at least till 45–50, continue building corpus through equity + debt mix and grow rental income sources.
Ensure adequate term insurance & health insurance to protect dependents.
???? Conclusion:
You are financially strong in terms of assets, but illiquid wealth (ancestral property) cannot substitute retirement corpus unless monetised. Continue working for a few more years or unlock real estate wealth if you wish to retire at 40.
Please consult a QPFP / SEBI Registered Financial Planner for a detailed retirement cash flow analysis and fund monitoring.
Mutual Fund investments are subject to market risks. Read all scheme related documents carefully before investing.
Best regards,
Naveenn Kummar, BE, MBA, QPFP
Chief Financial Planner | AMFI Registered MFD
https://members.networkfp.com/member/naveenkumarreddy-vadula-chennai
(more)
At age 38, with your current profile, let’s evaluate the possibility of retiring at 40:
Your Current Assets & Income
Equity: ?50L
FDs: ?10L
Salary: ?2L/month (?24L/yr)
Rental Income: ?40K/month (?4.8L/yr)
Ancestral Property: ~?8 Cr (illiquid unless sold/monetised)
Key Considerations for Retirement at 40
Corpus Requirement
If you want ?1.5L/month (?18L/yr) as expenses (today’s value), over 40–45 years of retirement, adjusting for inflation, you will need ?8–10 Cr in financial assets.
Right now, your liquid financial assets are only ~?60L (equity + FD).
Ancestral Property
Worth ?8 Cr, but unless you sell or lease it out, it won’t generate cash flow.
You cannot rely on this value for daily retirement expenses unless monetised.
Rental Income
?40K/month helps, but it covers only a small portion of living costs.
Current Gap
To retire at 40, your financial assets need to generate ?18–20L per year growing with inflation.
Your ?60L corpus can only generate ~?3–4L safely (at 6–7% withdrawal rate), which is far below requirement.
Recommendation
Retiring at 40 is not financially safe with your current financial corpus.
If you can monetise a part of your ancestral property (sell, lease, joint development), then early retirement becomes possible.
Otherwise, work at least till 45–50, continue building corpus through equity + debt mix and grow rental income sources.
Ensure adequate term insurance & health insurance to protect dependents.
???? Conclusion:
You are financially strong in terms of assets, but illiquid wealth (ancestral property) cannot substitute retirement corpus unless monetised. Continue working for a few more years or unlock real estate wealth if you wish to retire at 40.
Please consult a QPFP / SEBI Registered Financial Planner for a detailed retirement cash flow analysis and fund monitoring.
Mutual Fund investments are subject to market risks. Read all scheme related documents carefully before investing.
Best regards,
Naveenn Kummar, BE, MBA, QPFP
Chief Financial Planner | AMFI Registered MFD
https://members.networkfp.com/member/naveenkumarreddy-vadula-chennai